1. SETTING UP YOUR HOMEFINDING GUIDE
Save Homefinding Guide on your computer, Then open it
from there.
Click on EDIT, REPLACE and replace each of these items to
update your Homefinding Guide .
(today’s date)
(Buyer’s name)
[Sales Professional’s name]
(your Phone #)
(your email address)
Then on slide:
3 – Insert your photo.
5 – Insert your information and your photo.
6 – Enter your resume.
23 – Enter amounts in closing cost table.
Your Homefinding Guide is now ready to use as a power
point or it can be printed to give to your client.
You can also add slides to put in more personal information if
you desire. (Click on the slide before the space you want to
enter the new slide, the click INSERT, NEW SLIDE and add
your information)
Now delete this instruction page (EDIT, DELETE SLIDE)

2. (today’s date)
Dear (Buyer’s name)
Thank you for the opportunity to help you find your next home.
I understand that buying a home is a major decision. My goal is to
take you through the home finding process, making it as efficient,
stress-free and successful as possible.
The purpose of this Homefinding Guide is to help you understand
the process of finding and buying a home, to acquaint you with the
kinds of housing and financing choices that are available, and to
assist you through the home buying process.
In order to serve you, I will need to spend time with you learning
more about your unique needs, both in a home and of you real
estate professional. My goal is that you will be delighted with the
home buying experience. Please feel free to call on me at any time,
ask questions and share your concerns with me.
Again, thank you for allowing me help you select your next home.
Very truly yours,
[Sales Professional’s name]
[Sales Professional’s name]
Phone: (your Phone #)
Jack White Real Estate
3801 Centerpoint Drive, Suite 200
Anchorage, Alaska 99503
Office Phone: (907) 562-6464
Office Fax: (907) 562-5485
Email address: (your email address

3. Prepared for
(Buyer’s name)
Provided by [Sales
Professional’s name]
Jack White Real Estate
3801 Centerpoint Drive, Suite 200
Anchorage, Alaska 99503
Office Phone: (907) 562-6464
Office Fax:
(907) 562-5485
Email address: (your email address)

4. Contents
1. Our Credentials
2. How Can I Help You
3. Financing Your Home
4. The Home Buying Process
5. Submitting an Offer
6. Completing the Home Purchase

5. My Credentials
Here are some things
you might like to know
about me.
[Sales Professional’s name]
An experienced real estate
professional
[Insert copy]
[Insert copy]
[Insert copy]
An active member of the
community
[Insert copy]
[Insert copy]
[Insert Copy]

6. My Resume
• Insert Your Resume

7. About Jack White Real Estate
Jack White Real Estate has always realized that our success would be
found in creating exceptional tools and services for our sales force
and staff while providing the very best real estate services for our
clients. Our goal always has, and always will be to surround our
REALTORS® and clients with a wide variety of world class services,
so that we keep our clients and REALTORS® for life. From our
ambitious and diverse advertising and marketing to our exclusive online connections and home services offerings, we are unparalleled in
our market.
Our dream and vision has worked, as our accomplishments listed
below will testify
-3 offices in the South Central Alaska area, Anchorage, Eagle
River and Wasilla - representing over 300 licensees
- Ranked #1 for 2005 in the National Prudential Real Estate
Network of offices for the Anchorage office in units sold
-The only Alaska based residential real estate company in the
list
of Realtor® Magazine’s Top 500 Brokers in the nation for
2005
-Has annual sales in excess of $1.2 Billion and is the #1 Market
Leader
-Represents more builders than any other real estate company
in
Alaska
-Serves every major residential neighborhood in Anchorage
and
surrounding areas
-Owners and the most experienced management team are
actively
engaged in the daily operations of the company
-Has a national referral base of 2,000 Prudential real estate
offices with sales in excess of $153.6 billion dollars

8. About Jack White Real
Estate
What distinguishes Jack White Real
Estate from others?
A rich heritage
We have been serving Anchorage since 1953
Thousands of home sellers have sold their properties with
our assistance
A strong local presence
Approximately one in every three homes purchased in this
area is through Jack White Real Estate
Research indicates that over 80% of local consumers know
us and would refer clients to us
We have three offices to serve you in South Central Alaska
We have helped thousands of families relocate to and
from our communities
A connection with the community
For over 25 years we have supported the Pioneer Homes
in Anchorage, Eagle River and Palmer each year with a
Christmas party and gift for each resident.
Our company sponsors many events such as:
The Great Apple Race for United Way
Bean-a-Fit for Bean’s Café
The Covenant House Children’s Party
Anchorage Highway Cleanup
and numerous other charities

9. Jack White Real
Estate
Jack White Real Estate can do more to
meet your home buying needs:
 Market Leader
 Highly Trained REALTORS®
 Professional Reputation
 Name Recognition
 Commitment to Customer Service
 Advanced Technology
 Network Strength
 High Standards
 National Relocation Department

10. Our Commitment toS ervice
The purchase of your home is easier
because both you and your seller can
access an array of services through
our company:
•Mortgage Information
•Home Repairs
•Insurance Quotes
•Temporary Housing
•Moving and Storage
•Home Improvements
•Utility Connections
•Title Closings
JackWhite.com
Our one stop shopping gives us
more control of the closing
process and offers services to
help with your move.

11. How Can I help
you?
I will apply my knowledge
and expertise to help you
find the right home.
Here is what you can
expect from me.
l I will work with you at every stage of the home finding
process, from the initial selection of properties to view,
through the presentation and negotiation of a purchase
offer, to obtaining financing and the completion of the
transaction.
l Communication is important. We will want to agree on a
system of regular contacts (whether in person, on the phone,
by mail, fax or email) so that you can be kept informed at
all times.
l I will give you reliable information and solid advice so
that you can make informed decisions. Please don’t hesitate
to ask any questions.
It is my hope that you will be so pleased with my service
that you will turn to me for advice on your future real estate
needs and refer me to your friends and family.

12. Financing Your
Home
Unless you are in a position to pay all
cash for your home, you will need to
obtain a home loan (mortgage) to
complete the purchase. I will assist you
in this process to help ensure that you
obtain the financing that meets your
needs. pre approved for a loan before you submit an
l Being
offer will put you in a stronger negotiating position and can
save time in the loan approval process.
l I can put you in touch with experienced loan officers at
leading mortgage companies. Your loan officer will be your
principal guide through the financing process.
l Various financing options may be available to you,
including:
Fixed rate mortgage
Adjustable rate mortgage (ARM)
Government assisted (FHA & VA) financing
Seller assisted financing
Various Alaska Housing Finance Corporation
(AHFC) programs
l You can expect the lender to ask for standard
information regarding your income, expenses and
obligations.

13. Components of a
Mortgage
I will to help you find the right lender who can advise
you in securing the best loan product for your needs.
A pre-qualification appointment will help you
determine the price of home you can qualify for to keep
from falling in love with a home that is above your
purchasing power.
A monthly mortgage payment contain several
components:
Principal
The original balance of money loaned. As the loan is paid over time,
the principal is the remaining loan balance.
Interest
The charge for the use (loan) of money. The interest rate remains
constant in a Fixed Rate Mortgage. The rate can vary according to
specified guidelines over the life of an Adjustable Rate Mortgage
(ARM).
Property Taxes
The county assessor charges property taxes based on the value of
your home. Two tax installments are due each year. [Insert property
tax due dates for your area.]
Insurance
Protection against loss resulting from certain hazards, such as theft
or fire. The standard policy pays replacement costs, minus
depreciation based on actual cash value. You will need to obtain
homeowners insurance from your own insurance agent.
Private Mortgage Insurance (PMI)
Loans with smaller down payments involve greater risk for the
lender, who requires protection in case the loan goes into foreclosure.
Without PMI, lenders would be reluctant to offer loans with lower
down payments. Anything less than 20% down payment usually
requires PMI.

14. Loan Application
Checklist
The following information is typically needed when
applying for a and property information
mortgage.
Purchase contract
l
l
l
l
copy of the sales agreement
Mailing address and property legal description
Contact information to access the property
Plans and specifications (new construction only)
Personal information
l Social security number
l Age
l Years of schooling
l Marital status
l Number and ages of dependents
l Current address and telephone numbers
l Addresses for the past seven years
l Current housing expenses (rent, mortgage, insurance, taxes)
l Name and address of landlord or mortgage holder for past two
years
Employment history and income
l Two years of employment history, with complete details of each
job
l Recent pay stubs and W-2s for past two years
l Complete tax returns and financial statements if self employed
l Vested interest in retirement funds
l Value of life insurance
l Information on vehicles you own
l Information on real estate you own
l Value of significant personal property you own
Liabilities and debts
l Itemized list of all current debts (loans, credit cards, and other
liabilities)
l Written explanation of past credit problems
l Full details of bankruptcy during the last seven years
Fees
l credit report and appraisal fees

15. License Law
Relationships
When real estate professionals work with sellers and buyers,
relationships are established. As you start working with a real estate
professional, you will receive a clear explanation of the current laws
and be asked to sign the Alaska Real estate commission consumer
Pamphlet, required by law, so that you understand these important
issues.
There are four different types of relationships established by Alaska Real
Estate Law:
 Assistance without representation
A licensee may provide specific assistance to an unrepresented party after
disclosing in writing on the Alaska Real Estate Commission Consumer
Pamphlet to the unrepresented party.
 Represent
A person in a real estate transaction has the right to be represented. The
parties must sign the Alaska Real Estate Commission Consumer Pamphlet
acknowledging receipt of notification of the licensee relationships.
 Designated Licensee
This occurs when a Licensee represents or provides specific assistance to
a party to a transaction and another Licensee in the same company
represents or provides specific assistance to the other party to the
transaction.
The parties must sign the Alaska Real Estate Commission Consumer
Pamphlet acknowledging receipt of notification of the licensee
relationships.
 Neutral Licensee
This occurs when a Licensee does not represent either party but provides
specific assistance to both parties in the same transaction. The parties
must authorize the Neutral Licensee relationship by signing the Alaska
Real Estate Commission Consumer Pamphlet noting Neutral Licensee and
signing the “Waiver of Right to be Represented” form.

16. Your Needs Come
First
Finding and buying the right home is a
highly personalized process, and it all
begins by about finding ayour needs.
As you think identifying home, the following
worksheets can help me clarify your needs. These
worksheets explore areas such as:
l The values, interests and priorities you want this
move to support.
l The features you are looking for in a home.
l How the neighborhood can best match your needs
and lifestyle.
l How the home finding process will need to be
tailored to fit your plans.
l The support you expect to receive from me.

17. Looking Ahead to
the Home Buying
Process
The following questions will help identify how
finding and buying a home can be an enjoyable
l How far along are you in the home finding process? (just thinking
experience for you.
about the possibility of buying a home, or definitely committed to
making a move)
lHow long have you been looking for a home?
l Why are you contemplating the purchase of a home at this time?
lWhat is your time frame? Is there a definite time by which you
must be settled in your new home?
lWho will be included in the home finding and buying decisions?
lHave you purchased a home before? If so, how recently?
lThinking of previous home finding experiences, what were the most
positive features of those experiences? If you have never bought a
home before, what are you looking forward to most in the
experience?
lWere there any unpleasant features of your previous home buying
experiences that you hope to avoid this time? If you are buying your
first home, are there any problems or concerns that you are worried
about?
lHow do you plan to handle the financing of your new home?
Are you aware of your financing options?
lWhat are your expectations of me as your real estate professional?
What specific services and support do you expect?

18. Defining Your Ideal
Home
The property you buy will be much more than a
house; it will be your home. The following questions
can help you describe the things that are most
important to you in your ideal home and
neighborhood.
l For some people, “home” means the hub of social activity; for others it
might be a place to retreat from the pressures of daily life. What does
“home” mean to you?
lWho will be living in your household? Will you often have other family
members or friends visiting for more than a few days at a time?
lIf you will be working outside the home, what would you consider a
comfortable commute (in time or distance)? Will you be working at
home?
lWhat are the most important activities for the members of your
household? For example, hobbies, recreation, school, entertaining,
religious, or cultural activities.
lWhat are one or more features you liked most about the house or
neighborhood where you have lived previously? This might include style,
floor plan, yard, view and neighborhood.
lWhat is something that you disliked about the house or neighborhood
where you have lived previously, and that you would like to avoid in your
next home?
lWhat are the most important “must have” features of you ideal home or
neighborhood? Why are they important?

19. Homebuyers may use several information
sources in the process, but they are most
likely to find the home they purchase
through a real estate sales professional
Source: the National Association of REALTOR® Profile of Home Buyers and Sellers. Due to rounding,
percentage distributions may not add up to 100 percent.

20. Your Single Source
For Property
Information
I have access to virtually every property for sale
in this market, and will show you the homes that
best match your requirements, including:
l All homes marketed by Jack White Real Estate
Network members.
lAll properties listed by other companies through
the Multiple Listing Service (MLS).
lProperties not necessarily on the open market yet.
lMany properties offered “For Sale By Owner”.
To save you time, hassle and duplicated effort,
call me for additional information on properties
you see, regardless of whether or not they are
being offered by a Jack White Real Estate
professional. I can obtain important facts about
the homes you see:
l Advertised in newspapers, buyer’s guides or real
estate magazines.
lOn the internet.
lOpen houses.
lDisplaying “For Sale” signs.

21. How to Look at
Homes
Discovering the right home should be an
exciting event. As a Jack White Real
Estate sales professional, my
commitment is to make your home
search as stress free and efficient as
possible. up front what is affordable will save
l Identifying
time and frustration in the home finding process. It is
important to consider the financing options available
and to begin the mortgage pre-approval as soon as
possible.
lFrom a multitude of properties currently on the
market, I will select those that most closely meet
your unique needs and interests. It is best to preview
only a few homes at a time.
lWe will schedule time to look at homes and
neighborhoods. I will arrange showing appointments
with the sellers or their brokers.

22. Submitting an
Offer
Once you have found the offer property, the next
right
Determine the price you want to
step lThe price the a purchase may notto themarket value.
is to make seller is asking offer reflect seller.
lThe best way to determine market value is with a Comparative
Market Analysis (CMA) showing similar properties that sold
recently, those that are currently active on the market and those
that failed to sell.
lI will discuss with you an estimate of costs associated with
purchasing this property.
Decide on Financing
lWe will review together the status of your loan pre-approval.
lWe will work together with your loan officer to explain financing
options and help you determine the mortgage plan that best fits
your requirements.
Decide on other issues that are important to you, such as:
lItems of personal property you want included with the house.
lWarranty, inspections, repairs or other home enhancements by
the seller.
lClosing date and possession
I will present your offer
lThe seller will have three choices: accept your offer as presented;
reject it completely; or propose adjustments to your offer (counter
offer).
lIf there is a counter offer, you can choose whether to accept it,
reject it or counter it. This should be done quickly because the
seller has the right to accept any other offer while you are deciding
on their counter offer.
Once you have reached agreement with the
seller, you will have a firm contract to
purchase the home.

23. Estimate of Costs
It is helpful to have an estimate of the costs
associated with purchasing a home.
Costs Required to Close the Transaction
Title Insurance
Settlement Fees
Recording fees
Property tax (Pro rated)
Loan Origination fee
Appraisal
Credit Report
Other loan fees
Interest on new loan (pro rated)
Home Warranty
Pest Inspection
Other property inspections
Homeowners insurance
Other:
Other:
Total estimated closing costs
Estimated Monthly Payment
Principal & Interest
Property tax
Homeowners insurance
Private mortgage Insurance
Homeowner’s association dues
Total estimated monthly payment
HOME PURCHASE SUMMARY
Purchase price of home
Down Payment
Amount Financed
Estimated closing Cost
Estimated monthly payment
This is a preliminary estimate only. Actual cost will vary depending on the property, the lender and other
factors. You will receive a detailed breakdown of costs prior to closing the transaction.

24. Important Ways to
Protect Your
Interests
There are several ways to help support a trouble
free home purchase:
 A written property disclosure statement from the seller
will reveal any problems with the house and the surrounding
area that you need to know about.
 Professional inspections can reveal structural, roof,
pest and other problems with your property that the seller will
need to remedy.
 A home warranty can give you peace of mind by
providing repair or replace coverage of major home operating
systems and appliances.
 A preliminary title report informs you of any problems
with the property’s title and a policy of title protects your rights
to the property.
 A walk through inspection before closing will allow you
to make sure all required work has been taken care of and
that the property is ready to become yours.
 As soon as you get your offer accepted apply for a home
owner’s insurance policy and ask for a copy of the
(Comprehensive Loss Underwriting Exchange) C.L.U.E.
Report. This tell the claim history of the property and will tell
you if it is insurable. (for more information about C.L.U.E.
Reports go to www.choicetrust.com )

25. Completing Your Home
Purchase
Many details need to be taken care of in order for
a home purchase to be completed. It can take 20-90
days to complete all the steps involved in a home
sale, depending on the complexity of the
transaction. I will work closely with everyone
involved in the transaction to help ensure it moves
ahead as smoothly as possible:
 Explain to you in detail all the steps that will occur, and
answer any questions you might have.
 Work with the seller’s broker to see that they fulfill their
responsibilities under the contract.
 Stay in touch with the settlement officer, title officer, lender
and others to help coordinate their activities and to help keep
the transaction moving forward.
 Communicate with you on a regular basis so that you can
stay informed and as worry free as possible.

26. A Smooth Transition to
Your New Home
Here are some things to consider as you make the move to
your new home. I can suggest local professionals for many
of these services.
 4 Weeks before your move
 Contact and contract a reputable moving company
 Have school records transferred
 Arrange for transfer (or take with you) medical, dental and other
important records
 Prepare to transfer your homeowners and auto insurance to be sure you
will be covered for any unforeseen disasters
 Hold a garage sale to get rid of unneeded items; arrange to place excess
items in storage
 Keep track of moving related expenses. (Check with your accountant to
find out which expenses are tax deductible)
 3 Weeks before your move
 Obtain and mail change of address cards to the post office,
subscriptions, credit card companies and important contacts
 2 weeks before you move
 Arrange for final utility reading at your former residence the day after
your
move and have utilities and phone turned on at your new home the day
before you move in
 Close or transfer bank accounts
Terminate newspaper delivery service
 Arrange for transfer of vehicle and driver’s licenses
 Have an extra supply of prescription medications for the next four weeks
 We will schedule a final walk through inspection of the property to make
sure everything is in order
 Week of your move
 Keep valuable financial records and personal papers with you; do not
pack
them with the rest of your household goods
 Typically the day before closing you and the seller will sign all closing
documents
 On closing day, the home purchase documents are recorded and the
home
is yours
 Move in!!!
 After you move in
 Consider plans for landscaping design, installation and maintenance
 Review home security requirements and systems
 New home furnishings, appliances and interior decorating will help make
the house your home